If you’re thinking of creating your own business, the most important thing to consider is “Can I get my business credit card?” While there is a yes answer it can be a bit difficult and confusing to apply for a business credit card. Here are some things you need to know about the process of obtaining an credit card.
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Brex 30
Brex offers a variety of financial services including corporate credit cards, spend management and expense management software. Brex provides a complete financial solution to startups.
The Brex Card, also known as Brex for Startups is a credit card that assists start-ups build their credit history. The applicants don’t have to pay interest and don’t have to provide an individual guarantee. Instead applicants are evaluated based on their company’s business model and their spending habits.
Users can get 100 percent credit. The limit is determined by the amount a customer has in their Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
With a Brex Corporate Credit Card you can earn significant rewards on purchases. For instance, you can earn four points on trips booked through Brex Travel. You can also receive three points on dining.
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Capital on Tap
Capital on Tap is a small business credit card that can be used as a spending management tool. The card offers a slew of benefits, including a flat 1.5 percent cash-back rate on all purchases. The card doesn’t have annual fees and does not have any other requirements other than having a credit score of at least.
For a business that is just beginning benefiting from a low-interest business credit card can be extremely appealing. A business credit line with additional protection may be a viable option.
A low-interest business credit cards are extremely convenient since you’re not burdened with the stress of managing multiple credit cards or worrying about how much money you’ll have to pay each month. This is especially true if are looking to finance large expenses.
Ink Business Preferred credit card
The Ink Business Preferred card is one of the top business credit cards available to start-up businesses. It comes with a range of benefits, like a high sign-up bonus, purchase protection, and travel perks. However, it has several drawbacks.
The Ink Business Preferred Card isn’t perfect, however. There are no introductory APR promotions to be found and the spending limit may be too low for your business. It’s also not the most generous points-earning program.
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On the other side however, the Ink Business Preferred Card offers numerous other useful features, such as liability insurance as well as primary coverage for car rental and a shopping insurance. As a small-scale business owner, you’ll definitely benefit from these perks.
The Ink Business Preferred Card is another excellent way to earn points. When you spend in specific categories, you’ll earn 3 points per dollar you spend. For instance, if you make a purchase of $500 to your card during the first three months, you’ll get an initial bonus of 100,000 points.
Divvy
If you’re a new business owner in search of an enterprise credit card, you may want to consider Divvy. This card offers a variety of benefits and features. It also allows you to keep track of your business expenses.
Divvy can be used with accounting software and enables users to view their financial expenses. The software lets you create a budget, limit spending and request money. It also lets you set an expense limit for your employees.
Divvy also has corporate cards. These cards look at your company’s finances and determine the amount you should spend each month. In contrast to traditional business credit cards, Divvy doesn’t require personal guarantees.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it’s essential to know the rate of the company before you apply.
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Chase Ultimate Rewards
Business credit cards can be used to secure the most competitive rates of interest for business loans, and also provide valuable rewards. For instance a Chase Ultimate Rewards business credit card can earn bonus points that can be converted into cash back. Some cards offer rewards for shopping and travel as well as others that can be used to build your credit score.
There are numerous credit card issuers you could pick from, including Chase. But, you must consider how you will make use of a specific credit card. It is important to select an enterprise credit card that suits your specific requirements.
The Ink Business Preferred(r) Credit Card is a good choice for small-sized business owners. This card is a great way to earn rewards on a variety of purchase categories and even covers employees’ cell phone bills.
business loans and business lines of credit for startups